We all will be tested by Allah (SWT) and therefore we will pass through times which would seem difficult to us. But indeed Allah (SWT) will be preparing us to be strong and firm on our Imaan. At such times or occasions the best way to ask help from Allah (SWT) is the way Allah (SWT) and Prophet (SA) taught us to do.

Below are some Dua/Ayah with their translation which we must recite at the time of difficulty to seek tauba and help from Allah (SWT).

Please share your information and knowledge for the same purpose using the comment section.

Why Riba was prohibited (declared Haram) in the divine law?

Those who consume interest cannot stand [on the Day of Resurrection] except as one stands who is being beaten by Satan into insanity. That is because they say, “Trade is [just] like interest.” But Allah has permitted trade and has forbidden interest. So whoever has received an admonition from his Lord and desists may have what is past, and his affair rests with Allah . But whoever returns to [dealing in interest or usury] – those are the companions of the Fire; they will abide eternally therein. – Quran Surah al-Baqarah, 2:275

It is worth to present an example to start with the subject, a factual example from existing interest based banking methodology that is valid and current, which can be well understood by a common person. One should consider the following facts before going through the example. The facts are:

Only Banks create money.

The created money is then supplied in to the economy only in the form of loan at some specified interest.

There are no other institutions that create money other than banks.

The example – an astonishing fact

As all the banks are creating money and supplying in to the economy on interest and without any doubt all of them are practicing the same technique, so let us consider there is only one bank in our example that creates some money and supply in to the people’s economy.

Suppose Bank XYZ creates Dirhams 100,000 and supplies it at an interest rate of 10% per annum to several entrepreneurs and governmental units active in the economy, remember there is no money available in the economy from any other source. The bank has taken substantial collateral or guarantee as securityof its money from each borrower. See in the following diagram – the borrowersintake loan and repayment liabilities at the end of the first year:

It is very simple and clear that at the end of the first year, a combined sum of Dirhams 110,000 is due on all borrowers to repay to the loaning bank.

But the money available in the economy is only Dirhams 100,000 as the bank is only supplier of money, so from where the rest 10,000 would come that is the difference in the borrowers intake and total repayment amount…… from NOWHERE. Yes, that is right from nowhere because that money does not exist in the economy.

Look at the scene, the bank is the only supplier of money, it creates andsupplies 100,000 in the economy and that is the total money available in the economy, but as per loan agreements – these borrowers collectively have topay back 110,000. How is that possible? There is no way. Don’t you believe, it is 100% like this – no less. This is cheating and criminal foul play.

So what will happen, at least one or more of these borrowers would default on their loan(s) and would loose their personal assets or belonging that they had put as security to the bank for the repayment.

The money creator has designed a mechanism that would force few of the borrowers each year to default so that bank could forfeit the security assets and gain wealth by foul play.

This is an eye opening example for those who previously had no idea about the mechanism of banks as how they operate and cause artificial shortage (scarcity) of the money in the societies. This is happening every where in this world from USA to the smallest country on this beautiful planet. This artificial scarcity of money is the root cause of people’s problems from hard struggle for surviving to the loss of happiness from their lives.

In a Riba (interest) based system, people are not aware of this foul play – borrowers think that they will manage to repay the principal plus Riba (interest) as they think it would be coming from some where else, but the fact is – every borrower would be in battle with others where some borrowers have to lose in order for others to win, some would fail to pay their loans in order for others to get the sum they need to pay off the Riba (Interest). When seen in totality, the supply side is always in deficit and the liability is always in excess due to Riba (interest), the total combined supply cannot discharge the liability.

After going through the above real example, I believe, now we are close to find out why Riba was declared Haram in Quran and Sunnah.

Let us begin with the economic reasoning of WHY:

The availability of each produce is limited, the liability cannot exceed the availability limit.

In any transaction, if a liability of produce “in excess” of “the produce available” is created, that extra liability would be artificial because excess quantity of produce does not exist.

This universal economic code applies to each and every type of produce; to further get in to the explanation of the rule, let us now identify what represents “the produce”, “the transaction”, and “extra liability”:

The Produce

In its general expression “the produce” is any thing available to human beings for their use or consumption, but here specifically those produce that can be involved in a transaction, it is best to take historical standards of transactions which are based on produce like gold, silver, grains, currency etc. because throughout history all transactions are carried out in publicly acceptable produce only. These produce have served the societies as “medium of exchange”, so it is more appropriate logically and historically to consider the produce as “the medium of exchange” which is again a general expression and can accommodate any other commodity/produce that may be used in a transaction.

The Transaction

In this universal economic principle, the transaction is based on a single produce and naturally it can only be a transaction of loan or exchange and nothing else. Although donations/grants also involve only one produce but that is not a transaction because a transaction means exchange of good(s) and/or service(s) either on spot or in any specified time frame involving one or more types of produce.

Extra Liability

Riba (interest, usury) is that extra liability created in excess of the produce available and that does not exist. Every liability is a demand in practice, the basic rule of economics known to every one is that to maintain economic equilibrium (stability) in the society, the supply side should be equal to the demand, if the demand is more than the supply – a shortage will occur. Creating an extra liability means creating an extra demand without increasing equal supply, this will start a never ending mechanism of perpetually increasing the shortage of that produce in the society.

Conclusion:

Riba was prohibited just to prevent the creation of “extra liability/demand” because that is fake and “does not exist” physically, this artificial “extra liability/demand” creates scarcity of the produce in the society and unjustly accumulation of the produce in few hands. Riba (interest, usury) is a mechanism and dangerous weapon that has a power to get hold of assets/properties of individuals, enterprises, and nations deceitfully. This is unfair and against the nature, so ALLAH (SWT) banned Riba (interest, usury) very strictly to stop this criminal action.

Nature is the Limit in Islam; any thing not natural is prohibited, stopped, and declared illegal. The above economic reasons are the only base for the prohibition of Riba, ALLAH (SWT) has allowed everything that is natural but given its strict judgment to stop any behavior, agreement, and practice that is not natural.

Ramadan is near and we again have this opportunity from Allah (SWT) to collect the countless blessings He descends onto us.

Remember Allah (SWT) more in this month and remember much more our Beloved Prophet Muhammad (SA) by reciting Durood Sharif frequently.

I have something very interesting for my Muslim brothers and sisters at this Ramadan to keep track of their daily routine in the month of Ramadan. It is a checklist I got from Kalamullah.com that includes the weekly routine which you must follow in the month of Ramadan. Take a print of it (4 copies) and follow up by ticking the particulars that you performed on daily basis. This is a very interesting practice, because at the end of the Ramadan you will be able to see over the sheet what you missed and how much did you performed. You must then next time encourage yourself to do more of what you did this year.

I insist you to keep this record private to you, because it is essential that you keep your Taqwa to yourself and do not let it reveal and thats when your Taqwa becomes stronger.

Seeking refuge with Allah from Shaytan. Allah the Most High said, “And if there comes to you from Satan an evil suggestion, then seek refuge in Allah. Indeed, He is the Hearing, the Knowing.”

Recitation of the two soorahs al-Falaq and an-Nas, as they have wondrous effect in seeking refuge with Allah from his evil, weakening Shaytan and protection from him. This is why the Messenger, sallallahu `alayhi wa sallam, said: “No person seeks refuge with anything like the Mu`awwidhatayn (soorahs al-Falaq and an-Nas)”. [an-Nasaa’i, 5337]

Recitation of Ayat al-Kursi (2:255).

Recitation of soorah al-Baqarah. The Messenger, sallallahu `alayhi wa sallam, said, “The house in which al-Baqarah is recited is not approached by Shaytan.” [Muslim]

The final part of al-Baqarah. The Messenger, sallallahu `alayhi wa sallam, said, “Whoever recites the two last verses of al-Baqarah at night they will suffice him.” [Muslim]

Recitation of the beginning of soorah Mu’min (Ghafir), until His saying, “wa ilayhi-l-maseer” (to Him is the destination). (i.e. “Ha. Meem. The revelation of the Book is from Allah, the Exalted in Might, the Knowing, the forgiver of sin, acceptor of repentance, severe in punishment, owner of abundance. There is no deity except Him; to Him is the destination.” [40:1-2])

Saying “la ilaha ill Allah wahdahu la sharika lah, lahul mulku wa lahul hamdu wa huwa `ala kulli shay’in qadir” (there is nothing worthy of worship except Allah, He has no partner, His is the Dominion and Praise, and He is able to do all things) a hundred times.

The most beneficial form of protection from Shaytan: abundance of remembrance of Allah, the Exalted.

Ablution and prayer, and they are from among the greatest means of protection, especially at the time of emergence of anger and desire.

On this precious occasion of Ramzan Mubarak I would like to take this honor to greet all my Muslim Brothers & Sisters a prosperous month of Ramzan!

I’ve a lovely article to share with you, written by Sister Asma bint Shameem, Where she helps us to scrutinize some of the major mistakes that we intentionally or unintentionally get trapped into. It includes remarkable things that we must take care of in the month of Ramzan. I am sure it will enlighten many of you.

By Asma bint Shameem

Ramzan Mubarak

Taking Ramadaan as a ritual

For many of us Ramadaan has lost its spirituality and has become more of a ritual than a form of Ibaadah. We fast from morning to night like a zombie just because everyone around us is fasting too. We forget that its a time to purify our hearts and our souls from all evil….we forget to make dua, forget to beseech Allaah to forgive us and ask Him to save us from the Fire. Sure we stay away from food and drink but that’s about all.

Although the Prophet (Sal Allaahu Alaiyhi wa Sallam) said:

“Jibreel said to me, May Allaah rub his nose in the dust, that person to who Ramadaan comes and his sins are not forgiven, and I said, Ameen.

Then he said, May Allaah rub his nose in the dust, that person who lives to see his parents grow old, one or both of them, but he does not enter Paradise (by not serving them) and I said, Ameen.

Then he said, May Allaah rub his nose in the dust, that person in whose presence you are mentioned and he does not send blessings upon you, and I said, Ameen.’”

(Tirmidhi, Ahmad, others. Saheeh by al-Albaani)

Too much stress on food and drink

For some people, the entire month of Ramadaan revolves around food. They spend the ENTIRE day planning, cooking, shopping and thinking about only food, instead of concentrating on Salaah, Quraan and other acts of worship. All they can think of is FOOD. So much so that they turn the month of fasting into the month of feasting. Come Iftaar time, their table is a sight to see, with the multitudes and varieties of food, sweets and drinks. They are missing the very purpose of fasting, and thus, increase in their greed and desires instead of learning to control them. It is also a kind of waste & extravagance.

“…..and eat and drink but waste not by extravagance, certainly He (Allaah) likes not Al-Musrifoon (those who waste by extravagance)” [al-Araaf :31]

Spending all day cooking

Some of the sisters (either by their own choice or forced by their husbands) are cooking ALL day and ALL night, so that by the end of the day, they are too tired to even pray Ishaa, let alone pray Taraweeh or Tahajjud or even read Quraan. This is the month of mercy and forgiveness. So turn off that stove and turn on your Imaan!

Eating too much

Some people stuff themselves at Suhoor until they are ready to burst, because they think this is the way to not feel hungry during the day and some people eat at Iftaar, like there is no tomorrow, trying to make up for the food missed. However, this is completely against the Sunnah. Moderation is the key to everything.

The Prophet (Sal Allaahu Alaiyhi wa Sallam) said: “The son of Adam does not fill any vessel worse than his stomach; for the son of Adam a few mouthfuls are sufficient to keep his back straight. If you must fill it, then one-third for food, one-third for drink and one-third for air.” (Tirmidhi, Ibn Maajah. saheeh by al-Albaani).

Too much food distracts a person from many deeds of obedience and worship, makes him lazy and also makes the heart heedless.

It was said to Imam Ahmad: Does a man find any softness and humility in his heart when he is full? He said, I do not think so.

Sleeping all day

Some people spend their entire day (or a major part of it) sleeping away their fast. Is this what is really required of us during this noble month? These people also are missing the purpose of fasting and are slaves to their desires of comfort and ease. They cannot bear to be awake and face a little hunger or exert a little self-control. For a fasting person to spend most of the day asleep is nothing but, negligence on his part.

Wasting time

The month of Ramadaan is a precious, precious time, so much so that Allaah calls this month “Ayyamum Madoodaat” (A fixed number of days). Before we know it, this month of mercy and forgiveness will be over. We should try and spend every moment possible in the worship of Allaah so that we can make the most of this blessing. However, there are some of us who waste away their day playing video games, or worse still, watching TV, movies or even listening to music. Subhaan Allaah! Trying to obey Allaah by DISOBEYING him!

Fasting but not giving up evil

Some of us fast but do not give up lying, cursing, fighting, backbiting, etc. and some of us fast but do not give up cheating, stealing, dealing in haraam, buying lotto tickets, selling alcohol, fornication, etc. and all kinds of impermissible things without realizing that the purpose of fasting is to not stay away from food and drink; rather the aim behind it is to fear Allaah.

“O you who believe! Fasting is prescribed for you as it was prescribed for those before you, that you may become Al-Muttaqoon (the pious)” [al-Baqarah 2:183]

The Prophet (Sal Allaahu Alaiyhi wa Sallam) said: “Whoever does not give up false speech and acting upon it, and ignorance, Allaah has no need of him giving up his food and drink.” (Bukhaari)

Smoking

Smoking is forbidden in Islam whether during Ramadaan or outside of it, as it is one of al-Khabaaith (evil things). And this includes ALL kinds of smoking material eg.cigars, cigarettes, pipes, sheesha, hookah etc.

“he allows them as lawful At Tayyibaat (all good and lawful things), and prohibits them as unlawful Al Khabaa’ith (all evil and unlawful things) [al-Araaf :157]

It is harmful, not only to the one smoking, but also to the ones around him. It is also a means of wasting ones wealth.

The Prophet (Sal Allaahu Alaiyhi wa Sallam) said: “There should be no harming or reciprocating harm.”

This is especially true during fasting and it invalidates the fast. (Fatwa -Ibn Uthaymeen)

And he (Sal Allaahu Alaiyhi wa Sallam) said: “The thing that differentiates between our fasting and the fasting of the People of the Book is eating suhoor.” (Muslim)

Stopping Suhoor at Imsaak

Some people stop eating Suhoor 10-15 minutes earlier than the time of Fajr to observe Imsaak.

Shaykh Ibn Uthaymeen said: This is a kind of bidah (innovation) which has no basis in the Sunnah. Rather the Sunnah is to do the opposite. Allaah allows us to eat until dawn: “and eat and drink until the white thread (light) of dawn appears to you distinct from the black thread (darkness of night)” [al-Baqarah 2:187]

And the Prophet (pbuh) said: “….eat and drink until you hear the adhaan of Ibn Umm Maktoom, for he does not give the adhaan until dawn comes.”

This imsaak which some of the people do is an addition to what Allaah has prescribed, so it is false. It is a kind of extremism in religion, and the Prophet (Sal Allaahu Alaiyhi wa Sallam) said:

“Those who go to extremes are doomed, those who go to extremes are doomed, those who go to extremes are doomed.” (Muslim)

Not fasting if they missed Suhoor

Some people are too scared to fast if they miss Suhoor. However, this is a kind of cowardice and love of ease. What is the big deal if you missed a few morsels of food? Its not like you will die. Remember, obedience to Allaah overcomes everything.

Saying the intention to fast out loud or saying a specific dua to start fasting

The intention is an action of the heart. We should resolve in our heart that we are going to fast tomorrow. That is all we need. It is not prescribed by the Shariah for us to say out loud, “I intend to fast”, “I will fast tomorrow” or other phrases that have been innovated by some people. Also, there is no specific dua to be recited at the time of starting the fast in the correct Sunnah. Whatever dua you may see on some papers or Ramadaan calendars, etc. is a Bidah.

Delaying breaking fast

Some people wait until the adhaan finishes or even several minutes after that, just to be on the safe side. However, the Sunnah is to hasten to break the fast, which means breaking fast whenever the adhaan starts, right after the sun has set. Aaishah (RA) said: This is what the Messenger of Allaah (Sal Allaahu Alaiyhi wa Sallam) used to do. (Muslim)

The Prophet (Sal Allaahu Alaiyhi wa Sallam) said: “The people will continue to do well so long as they hasten to break the fast.” (Bukhaari, Muslim)

Determine to the best of your ability, the accuracy of your clock, calendar, etc. and then have tawakkul on Allaah and break your fast exactly on time.

Eating continuously until the time for Maghrib is up

Some people put so much food in their plates when breaking their fast and continue eating, enjoying dessert, drinking tea, etc., until they miss Maghrib. That is obviously not right. The Sunnah of the Prophet (pbuh) was that once he broke his fast with some dates, them he would hasten to the prayer. Once you are done with the prayer, you can always go back and eat some more if you wish.

Missing the golden chance of having your Dua accepted

The prayer of the fasting person is guaranteed to be accepted at the time of breaking fast.

The Prophet (Sal Allaahu Alaiyhi wa Sallam) said: “Three prayers are not rejected: the prayer of a father, the prayer of a fasting person, and the prayer of a traveler.” (al-Bayhaqi, saheeh by al-Albaani).

Instead of sitting down and making Dua at this precious time, some people forego this beautiful chance, and are too busy frying samosas, talking, setting the food, filling their plates and glasses, etc. Think about it….Is food more important than the chance to have your sins forgiven or the fulfillment of your Duas.

Fasting but not praying

The fasting of one who does not pray WILL NOT BE ACCEPTED. This is because not praying constitutes kufr as the Prophet (Sal Allaahu Alaiyhi wa Sallam) said: “Between a man and shirk and kufr there stands his giving up prayer.” (Muslim)

In fact, NONE of his good deeds will be accepted; rather, they are all annulled.

“Whoever does not pray Asr, his good deeds will be annulled.” (Bukhaari)

Fasting and not wearing Hijaab

Not wearing the Hijaab is a major sin as it is obligatory for Muslim women. (See Surah Nur, Surah Ahzaab). So fasting and not wearing hijaab certainly takes away enormously from the rewards of fasting, even if does not invalidate it.

Not fasting because of exams or work

Exams or work is NOT one of the excuses allowed by the Shariah to not fast. You can do your studying and revision at night if it is too hard to do that during the day. Also remember that pleasing and obeying Allaah is much more important than good grades. Besides, if you will fulfil your obligation to fast, even if you have to study, Allaah will make it easy for you and help you in everything you do.

“Whosoever fears Allah, He will appoint for him a way out and provide for him from where he does not expect, Allah is Sufficient for whosoever puts his trust in Him.” (Surah at-Talaaq 2-3)

Mixing fasting and dieting

DO NOT make the mistake of fasting with the intention to diet. That is one of the biggest mistakes some of us make (esp. sisters). Fasting is an act of worship and can only be for the sake of Allah alone.

Otherwise, mixing it with the intention of dieting may become a form of (minor) Shirk.

Fighting over the number of Rakaah of Taraweeh

There is no specific number of rakahs for Taraweeh prayer, rather it is permissible to do a little or a lot. Both 8 and 20 are okay. Shaykh Ibn Uthaymeen said: “No one should be denounced for praying eleven or twenty-three (rakaah), because the matter is broader in scope than that, praise be to Allaah.”

Praying ONLY on the night of the 27th

Some people pray ONLY on the 27th to seek Lailat ul-Qadr, neglecting all other odd nights, although the Prophet (Sal Allaahu Alaiyhi wa Sallam) said: “Seek Lailat ul-Qadr among the odd numbered nights of the last ten nights of Ramadaan.” (Bukhaari, Muslim).

Wasting the last part of Ramadaan preparing for Eid

Some people waste the entire last 10 days of Ramadaan preparing for Eid, shopping and frequenting malls, etc. neglecting Ibadah and Lailatul Qadr. although, the Prophet (Sal Allaahu Alaiyhi wa Sallam) used to strive the hardest during the last ten days of Ramadaan in worship (Ahmad, Muslim) and not in shopping. Buy whatever you need for Eid before Ramadaan so that you can utilize the time in Ramadaan to the max.

Aaishah (RA) said: “When the (last) ten nights began, the Messenger of Allaah (Sal Allaahu Alaiyhi wa Sallam)) would tighten his waist-wrapper (i.e., strive hard in worship or refrain from intimacy with his wives), stay awake at night and wake his family.” (Bukhaari and Muslim).

Iftaar parties

Although inviting each other for breaking fast is something good and encouraged, some people go to extremes with lavish Iftaar parties with all sorts of disobedience to Allaah, from flirting, mixing of the sexes and hijaab-less women, to show-off and extravagance, to heedlessness to Salaah, and Taraweeh to even music and dancing.